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Will Bramblett - Broadhead Capital

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Will Bramblett - Broadhead Capital

Broadhead Capital - Northwestern Mutual Private Client Group | Protecting What You've Earned | Growing What You Have | Helping You Leave a Legacy |

Our team operates a financial planning practice out of North Dallas and currently works with over 400 clients across 30 states from California, to New York, down to Florida. Our clients primarily consist of attorneys, physicians, business owners, and executives. Our planning philosophy integrates risk management and investment strategy, all centered around long-term consistent results to optimize

our clients' net worth and reduce uncertainty. In other words, our goal is to make our clients' financial position bulletproof.

08/19/2026

Want to retire at 50, but all your wealth is locked in a 401(k)/IRA?

Most people think their pre-tax money is trapped until age 59½ and assume taking it out early means a 10% penalty.

But you don’t have to wait.

Here are two ideas you can utilize to access pre-tax retirement accounts early:

1. Roth Conversion Ladder

• Mechanism: Systematic conversions of pre-tax Traditional IRA assets to a Roth IRA.

• Hurdle: You must wait 5 years before the principal can be distributed penalty-free from Roth conversions.

• Impact: You create liquidity from pre-tax positions accessible after 5 years and bypass the 10% early withdrawal penalty.

2. Rule 72(t) SEPP (Substantially Equal Periodic Payments)

• The Mechanism: Bypassing the early withdrawal penalty by executing structured annual distributions from a Traditional IRA.

• Hurdle: The schedule is inflexible. It must be maintained for 5 years or until you reach age 59½, whichever period is longer.

• Impact: You receive a consistent income stream from your pre-tax accounts bypassing the 10% early withdrawal penalty.

Early retirement requires creative planning, not just saving.

Want to see if either of these options make sense for you? Let’s talk.

08/17/2026

Many people have never heard of a Qualified Longevity Annuity Contract or QLAC.

Yet, it remains as one of the few IRS-approved ways to legally delay your RMDs, secure lifetime income, and lower your retirement income tax bracket.

How it works:

• Move pre-tax IRA/401k funds into a QLAC.

• Exclude those funds from your RMD calculations to reduce your tax basis.

• The payout can be deferred up until age 85.

The Benefits:

• Tax Deferral: You lower your current RMD burden by removing those funds from the calculation.

• Guaranteed Income: You secure a predictable income stream for your later years.

• Simplified Limits: Under SECURE Act 2.0 rules, the maximum lifetime funding limit is $210,000 for 2026.

The catch:

You sacrifice liquidity today for guaranteed cash flow and tax savings tomorrow.

Have you considered how or whether this fits into your retirement distribution strategy?

If not, let’s connect.

08/14/2026

If you are taking distributions from your IRA and donating to charity, you could be paying unnecessary taxes.

Many people write checks or donate online after withdrawing funds from their retirement accounts. This adds to your taxable income, potentially pushing you into a higher tax bracket or increasing your Medicare premiums.

There is a smarter way: The Qualified Charitable Distribution (QCD).

Here's how a QCD works:

• Direct transfer: Funds go straight from your IRA to a 501(c)(3) nonprofit.

• Tax exemption: The transfer bypasses your tax return completely, reducing your Adjusted Gross Income (AGI).

• RMD strategy: It counts directly toward satisfying your Required Minimum Distribution (RMD).

• Limit: In 2026, individuals can donate up to $111,000 tax-free per year.

The best part? You do not even need to itemize deductions on your tax return to get this benefit.

Tax laws change, and optimization requires precise timing.

If you want to see if a QCD makes sense in your situation, let’s connect.

08/12/2026

Did you know you can move money directly from your traditional IRA into your Health Savings Account (HSA) completely tax-free?

It is called a Qualified HSA Funding Distribution (QHFD).

Here is how it works:

• The Double Tax Benefit: You shift pre-tax IRA dollars into an HSA. The transfer is tax-free. The future medical withdrawals are also tax-free.

• The Lifetime Limit: You can only do this once in your lifetime.

• The Cap: The transfer amount cannot exceed your maximum annual HSA contribution limit for that year.

You must remain enrolled in a High-Deductible Health Plan (HDHP) for 12 months after the transfer, or face taxes and penalties.

When does this make sense?

If you face unexpected medical bills and lack liquid cash, but have an IRA, this move prevents you from taking a penalized, taxed IRA withdrawal. Instead, you fund your HSA and pay the medical bill 100% tax-free.

If you want to learn more about creative planning options, let’s talk.

08/10/2026

Most parents know a 529 plan helps pay for their child’s college tuition.

But what if that same account could fund your future grandchildren's education, too?

Introducing the Dynasty 529.

Instead of draining and closing the account when your child graduates, you keep the principal growing. As your family grows, you simply shift the beneficiary down to the next generation.

What are the benefits?

• Tax-Free Growth: Your investments compound 100% tax-free over decades.

• No Limits: You can change beneficiaries an unlimited number of times.

• Super-Funding: You can front-load up to 5 years of gifting all at once to kick-start compounding.

• Complete Control: You retain ownership of the money, ensuring it is strictly used for education.

• Estate Reduction: It moves significant assets out of your taxable estate while keeping you in the driver's seat.

Tuition costs aren't slowing down. Building an educational legacy today ensures your family is taken care of for generations to come.

Have you considered how your estate plan addresses the education of future generations?

If not, let’s connect.

08/07/2026

Did you know you can pay income tax on restricted stock today and turn all future growth into long-term capital gains?

Introducing the 83(b) election.

This allows you to accelerate the ordinary taxable income event for restricted stock from the date of vesting to the date of grant. In exchange, all future growth beyond that point is treated as capital gains.

Let’s look at a side-by-side example of the tax implications:

The Scenario
Bob and Sarah were both granted 1,000 shares of restricted stock at $100 per share.
• Bob made an 83(b) election.
• Sarah did not.

Year 1: The Grant Date
• Bob paid ordinary income taxes on $100,000 upfront.
• Sarah paid $0.

Year 2: The Vesting Date (Stock appreciates to $200/share)
• Bob owed $0 in taxes. His tax foundation was locked in at grant.
• Sarah had to pay ordinary income taxes on the full $200,000 value of her now unrestricted stock.
Year 3: The Sale (Stock reaches $300/share, and both sell)

• Bob’s cost basis was $100,000. He paid lower long-term capital gains tax on $200,000 of growth.
• Sarah’s cost basis was $200,000. She paid long-term capital gains tax on $100,000 of growth (assuming she held them for at least one year).

By utilizing this election, Bob saved a significant amount in total taxes.

So, what’s the catch?

1. The Strict Deadline: You only have exactly 30 days after the grant date to file with the IRS.

2. Upfront Liquidity: You need the cash on hand to pay ordinary income taxes on day one.

3. The Risk: If the stock depreciates or you leave the company before vesting, you cannot recover the income tax you paid upfront.

Navigating equity compensation can be complex. If you have questions regarding your RSAs, RSUs, ISOs, PSUs, NSOs, ESPP, or ESOP, feel free to reach out. I’d be happy to help.

11/14/2025

“The best time to start was yesterday. The next best time is now”

I read this in every self-development book.

I believe this to be true.

Here’s how I implement this philosophy in my life today:

• Systems.

“You do not rise to the level of your goals, you fall to the level of your systems.”
James Clear in Atomic Habits

Professional goals.
Family goals.
Health goals.

They don’t happen to the level you want them without systems.

• Dedicated, non-negotiable time to the tasks that move the needle in my business.

• Dedicated, non-negotiable time to the efforts that strengthen our family.

• Dedicated, non-negotiable time to the efforts that keep me healthy.

It’s simply non-negotiable.

Choose what’s most important in your life today.

Create the non-negotiables to achieve them.

This is what’s helped me.

P.S. Do you agree? Or do you have another approach that’s worked for you?

11/13/2025

I worked at a gym all through college.
I trained people on a daily basis.
I absolutely loved it.

I programmed all my workout routines.
I tracked ALL my macros.
I monitored all my progress to the detail.

Even with that experience, I recently hired a personal trainer myself.

Why?

I want accountability from an outside source.
I want someone to challenge me.
I want experienced perspective, &
I want professional guidance.

Most people know what they need to do, but won't do it until someone drives action.

For most, financial planning is no different.

Most people know what they need to do.

But…

Sometimes it just takes a gentle nudge.

P.S. Do you agree?

11/12/2025

What's $100,000 worth to you?

(Let's break it down)

$100,000 COULD:

• Pay the day-to-day expenses to have 2 more kids.
• Pay for 12 months worth of expenses.
• Pay a portion off the mortgage.
• Pay for your kid's college.
• Pay for 10+ vacations.

Some people find this frame very helpful to understand the “why” behind their savings.

If you make $100,000 in a year, you trade 1,840 hours of your life for $100,000.

How important is that 1,840 hours to you then?

This can put into perspective the importance of each hour to your financial plan.

& how each hour fuels the dreams you have for your family.

P.S. What are your thoughts?

11/07/2025

Out of curiosity I asked ChatGPT,

"When should someone hire a financial advisor?"
Answer was spot on.

1. When the value outweighs the cost

- Most fiduciary advisors charge ~1% or less of assets under management (AUM).
- If they can increase your returns, reduce taxes, or prevent costly mistakes, their value often exceeds the fee.

2. When your finances become too complex to manage alone.

If you’re dealing with:

• Multiple income streams or business ownership
• Large investment accounts or retirement plans
• Real estate holdings or inheritances
• Tax-advantaged accounts (IRAs, 401(k)s, HSAs, etc.)

…then a financial advisor can help coordinate and optimize everything efficiently.

3. When you’re accumulating significant assets.

A good rule of thumb:

• Once you have $100,000+ in investable assets, it’s often worth consulting an advisor.
• Advisors can ensure your investment allocation, risk exposure, and tax strategy are all aligned with your goals.

4. When you’re facing a major life event.

These are prime moments for professional guidance:

• Marriage or divorce
• Birth of a child
• Inheritance or windfall
• Retirement approaching
• Selling a business or property

A planner can help you adapt your financial strategy and protect your long-term goals.

5. When you want expert guidance or accountability.

Even if your finances aren’t overly complicated, you might hire an advisor for:

• Behavioral coaching (avoiding emotional decisions during market swings)
• A clear, personalized financial plan
• Regular progress check-ins toward goals like homeownership, college funding, or early retirement

6. When you’re unsure about taxes, investments, or retirement planning.

If you’re not confident in your ability to:

• Pick investments wisely
• Minimize taxes
• Create a sustainable retirement income strategy

— then it’s time to bring in professional help.

What are your thoughts on this answer?

Address

5420 LBJ Freeway Ste. 1300
Dallas, TX
75240

Opening Hours

Monday	9am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	9am - 5pm
Friday	8am - 5pm

Website

https://broadheadcapital.nm.com/

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